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Auto Insurance Claims/state farm liability claim

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Expert: Bennie719 - 7/23/2009


Question
Texas.A guy had a fatal heart attack in front of our house and drove his truck thru our house causing approx.$19,000.00 in damages. State Farm may deny the claim saying he was not negligent, so what are we to do.

Answer
Hi Veronica,
The final decision on this will be based on Texas law and not
have anything to do with the legal wording of an insurance
policy.

The best way to handle this situation is to file a claim through
your homeowners policy.  They will pay for the damage to your home under the terms of your policy (less your deductible) and get
involved in the legal battle and do everything possible to have State Farm be responsible.  If they recover in full from State Farm, they will reimburse your deductible.

I hope that you find this information helpful.  Your feed back by
rating my response will be appreciated.

Bennie
San Francisco Bay Area  

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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